Thousands of courses for $10 728x90

الثلاثاء، 6 سبتمبر 2016

How to Celebrate a Child’s Birthday Without Breaking the Bank

This past weekend, my daughter celebrated her birthday in a relatively quiet and subdued fashion. Some of her friends who have reached the same age (my daughter is the youngest in her social group) have had extravagant birthday parties with tons of gifts.

Our daughter, on the other hand, celebrated her birthday differently, one that was still full of fun and joy but which cost our family only a tiny fraction of what the other parents must have spent on their parties.

Our philosophy is that a child’s birthday should be a fun moment, but not an over-the-top expensive moment. Thoughtful gifts and activities should be the order of the day, not expensive ones.

Here are some of the things we do for our children’s birthdays that retain the fun while keeping costs low.

We don’t “keep up” with the other kids.

This is first and foremost on our list. We simply don’t bother to keep up with what the other parents are doing for their parties. Frankly, we just don’t care what they’re doing.

Over the years, our children have been invited to birthday parties with inflatable slides and bouncy houses and pony rides and balloon animal makers and all kinds of crazy things. Their children have received amazing gifts, like an enormous handmade dollhouse, an Xbox One very close to its initial release date, and a drone that cost well over $1,000.

That’s simply not happening with our own kids. In our family, it doesn’t matter what kind of party the other kids have or what kind of gifts the other kids receive. Those are decisions made by the other families, not our family.

Instead, we have a handful of principles that we stick to and that we often discuss with our children so that they understand those principles as well.

For starters, spending time together is far more valuable than buying “stuff.” Time is the truly valuable thing in our lives, and there’s nothing more worthwhile to give others than your time. This doesn’t just mean having your body be in the same location as someone else. It means paying attention to the other people, talking with and listening to them, and engaging in some kind of activity together. Distracting devices are turned off unless the focus of the activity is on those devices (like when we’re on a family geocaching adventure and need a device to help us find geocaches).

Another principle that we often talk about with our children is the idea that we focus on the long term with our money use. Talking about the long term can be kind of difficult with children, but we focus on the idea that our day to day life is happy and that we want to preserve that happiness over the long term. We talk a lot about long term goals, like college and having a car and even about careers. We make it clear that spending a lot of money in the short term takes away from those long term goals.

We strictly limit the number of gifts from us.

Rather than receiving a mountain of gifts, our children usually just receive two or three gifts from us for their birthday, along with a small gift chosen by each of their siblings. There are several reasons for this.

First of all, fewer gifts mean less expense. It’s a lot easier to keep spending under control if you’re giving a relatively small number of gifts. Even if each gift is relatively inexpensive, having a big pile of them really adds up.

Another issue is that once you get past the third gift or so, each individual gift begins to seem less important and interesting. They get lost in the mix. After a gift-giving event, people tend to gravitate toward just a few of their gifts even if they liked all of them. In other words, once you get past the third gift or so, the rest are overkill. They aren’t enjoyed much by the recipient.

There’s also the issue of possession “overkill.” The new items they receive are going to be in direct competition with the stuff they already have. Adding a lot of new items means either you’re going to have to get rid of a lot of items that you already own or you’re going to have massive accumulation of items. Those items take up lots of space, which means either a lot of clutter or a need for a lot of storage. You can just avoid all of this by keeping the number of gifts under control to begin with.

So, just stick with a small number of gifts. We’ve found that three is, yes, a magic number when it comes to this, though we don’t count obvious accessories for other gifts against that number (a charging cable, for example). It’s hard to accumulate too much when you’re only receiving three gifts for your birthday. Plus, with that number, gifts tend to not get overlooked and everything gets enjoyed, and it also keeps our expense relatively low.

Typically, birthdays at our house involve our children receiving three gifts from their parents and one gift from each sibling. Usually, three of the gifts “go together,” meaning that they accessorize each other, so there’s essentially just three gifts there. (They often receive additional gifts from grandparents and aunts.)

We usually make one nice gift the centerpiece.

Our children are like any other children: they have gifts that they want and that they request. Often, those gifts are expensive, so even if we keep the number of gifts low, it can still be expensive if we buy three high-priced items.

Our approach is to simply give one nice gift that they request, with the other gifts either being smaller in scope or complete surprises. Sometimes, the other gifts will blatantly be compatible with the main gift, like a game for a video game console or a gift card for a new Kindle.

Again, there are a few reasons to do this.

First of all, people tend to appreciate receiving the one thing they want most even more than receiving most of their wishlist. This seems counterintuitive, but it’s been true over and over again in our experience. Our kids tend to be thrilled when they receive the main thing they wanted so their other desires tend to fall by the wayside in comparison. When you really nail something that they want, nothing else really matters.

Second, the main gift actually gets used a lot. If you give them five extravagant gifts and cover the top five things they want the most, their attention and time is split amongst all of those things and none of them are truly appreciated. (Usually, it’s split among two or three of them and the rest are basically untouched, as I noted above.)

For example, my daughter (who is an incredibly avid reader) received a Kindle for her birthday. Most of the other gifts she received were either credit for her new Kindle (so she can get some books), specific books, or a subscription to Kindle Unlimited for one year. (She did receive a few art supplies and a couple items of clothing from grandparents.) That was her entire birthday – it was mostly just one gift. She’s barely put it down since receiving it and seems thrilled with it.

For Christmas last year, our main gift for all three of our children was a Wii U. We got them each a couple of minor gifts (clothing, a book) and then gave them each a Wii U game that they opened last, telling them that they could play it on our old circa 2006 Wii. Our oldest child understood that this wouldn’t work and was pretty disappointed. Well, it turned out that there was one more present under the tree, hidden under a blanket in the back, that had all three of their names on it. Again, the main focus was on one single gift.

We have a very simple party for only a small number of friends.

Rather than having an over-the-top party with a petting zoo and a merry-go-round and pony rides and a mime, we try very hard to keep any birthday parties we have very simple. We stick to a few principles when it comes to planning these parties.

First of all, the invitation list is short. There are two or three neighbor children that are invited pretty much by default to our children’s birthday parties. We then extend that list to two or three more kids. It’s never a large party of any kind, because we’ve found that not only are large parties expensive, they usually end up excluding some of the children from playing with the birthday child.

Second, we center the whole party around an “activity” that we can pull off easily. One year, we made superhero costumes for everyone out of a bolt of cheap cloth from a fabric store and they “fought crime” together with a scavenger hunt that led them to cans of silly string which they then used to fight the “villain” (aka Dad with a mask). Another year, we had a geocaching party. We’re going to have a camping party soon.

Using my daughter as an example again, she’s having a simple “art party” for her and three of her friends, plus three kids that live next door to us. They’re simply going to work on a few art projects together and each child is going to get to take home a painting they made on actual canvas. All this really requires is a few small canvases that we bought as a bulk purchase for about a dollar each – we already have lots of paints.

Finally, we host the parties at our home, at a local “free to reserve” park shelterhouse, or another zero cost location if at all possible. That way, there’s no cost to simply use the location for the party. Parties that involve having to pay to use space to simply slice a birthday cake and open presents are unnecessary; if we were going to have such a birthday, we’d open presents and have cake elsewhere.

We make a homemade birthday cake.

Speaking of cakes, rather than buying a birthday cake from a bakery, we simply make the cake at home ourselves. Again, there are a number of reasons for this.

For starters, homemade cakes are far less expensive than bakery cakes. Even if you just stick wholly to a kit for the birthday cake, the cost of that cake is going to be far, far lower than that of a cake from a bakery. The cost is even lower if you measure and mix up the ingredients yourself rather than using a cake kit. Making a simple chocolate cake or white cake or angel food cake isn’t hard.

Another advantage is that everyone in the family can be involved in making it. Whenever a child in our family has a birthday, the other members of the family – both parents and siblings – are involved in making the birthday cake. It becomes a family activity of sorts. The cake is mixed and baked, the frosting is prepared, and the cake is decorated, with everyone working together on it.

Yet another advantage is that it becomes very easy to make it ultra-personal. We can make the cake and the frosting match their favorite colors with ease. We can choose pretty much any type of cake that the children desire, even pulling off things like a “blue velvet” cake (red velvet cake with a blue coloring instead) that a bakery could do but would often charge extra for. We can make pretty much any color of frosting, too. We also can add personal messages and elements to it, such as frosting drawings of our family.

Not only is a homemade cake less expensive, it ends up feeling much more personal and special because of these touches. Plus, it ends up being a family activity for everyone but the birthday child, which makes them feel very involved, too.

We do a thoughtful family activity on their actual birthday.

It’s actually pretty rare that a birthday party works out on the child’s actual birthday, so we usually want to find a way to celebrate their birthday on the actual day. For many families, that means eating out or something akin to that, but we use a different approach. We usually just have a nice family activity of some kind and then make a homemade supper of the child’s request. Again, there are reasons for this.

First of all, it’s less expensive. Taking a family of five out to eat is pretty pricy. It’s far less expensive to just make a meal for our family at home.

Second, it allows the birthday child much more flexibility in choosing their birthday meal. Between Sarah and myself, we can make pretty much anything, which means that our children can pick whatever their heart desires. Usually, their choice is simple, though – a homemade pizza with certain toppings is usually their pick – but they can pick anything and that’s very fun.

Finally, doing a family activity lets us focus on time together rather than physical items. The goal of the family activity is to let the birthday child pick something to do, but that we’re all doing it together. If another child is disappointed, we just remind them that they get to choose a family activity on their birthday.

In past years, these family activities have involved things like geocaching, trail walking, a family board game day, family miniature painting (this wasn’t quite free, but we had the stuff on hand already), and even a family tennis tournament. We weren’t going around buying stuff, we weren’t opening gifts… we were spending time together doing things together.

We use the birthday as a way to introduce the next steps in “growing up.”

In our home, a birthday is a celebration, but it’s also another step in their growing maturity. That growing maturity is acknowledged in several ways that are intended to lend some importance and meaning to the birthday celebration – again, without adding cost.

First of all, we revisit chores. Birthdays usually mean a change in household responsibilities for the birthday child, which comes as a result of growing older and thus growing more responsible. This is a great way to acknowledge their growing maturity.

We also revisit the things they’re allowed to do. Bedtimes, for example, are revisited. Where they’re allowed to go without parental supervision is revisited. Allowances are revisited. These changes add a lot of meaning to a birthday, casting it as a day of growing maturity.

Parents usually have a one-on-one conversation or two with the child about different aspects of growing up. Not only is this an opportunity for focused one-on-one attention, it also maintains the sense that this day is a day of growing maturity.

Final Thoughts

Here’s the thing: many families substitute spending for “meaning” when it comes to birthday celebrations. An expensive party and a pile of expensive gifts might be exciting for a child, but does it really mean anything? It might be memorable, but is it something that lasts and really helps build familial and friendship bonds?

The thing is, building those bonds and creating memorable moments doesn’t happen with throwing money at the birthday. It happens with time and attention, which are always the best gifts you can give to your child, period.

Give your child time. Give your child attention. If you give those gifts, then the physical gifts are secondary. Time and attention will trump them. Plus, time and attention don’t require you to open your wallet.

Good luck.

The post How to Celebrate a Child’s Birthday Without Breaking the Bank appeared first on The Simple Dollar.



Source The Simple Dollar The Simple Dollar http://ift.tt/2bV9xWs

Scottish Mortgage: "It is our duty to continue bringing down costs for shareholders"

James Anderson, lead manager of the popular Money Observer Rated Fund Scottish Mortgage trust, has spoken out about some of the flaws in active fund management.

James Anderson, lead manager of the popular Money Observer Rated Fund Scottish Mortgage trust, has spoken out about some of the flaws in active fund management.

Presenting at an investment conference in London organised by wealth manager Canaccord Genuity, Anderson remarked that fund management has hardly changed since he took over the management of the trust in 2000.

read more



Source Moneywise http://ift.tt/2ckPnEu

This Couple Made an Extra $5,800 in 10 Months to Pay for Their Honeymoon

When my fiance finally proposed, I was on cloud nine — I couldn’t wait to start planning our wedding.

We’d already had the finance talk. And being the Penny Hoarder I am, I knew our “dream” wedding would have to be budget-friendly.  

We were able to settle on a $10,000 wedding budget, and between a gift from his parents and some hardcore saving on our part, we were able to pay for our wedding without putting too much stress on ourselves.

But then there was the honeymoon.

I had my heart set on a Jamaican getaway — an all-inclusive, spend-your-days-at-the-beach-sipping-daiquiris-from-sunrise-til-sunset kind of honeymoon. However, that type of trip costs over $4,000. We had zero extra dollars at this point, and I was bummed.

I knew we could always take a nice weekend trip to Gatlinburg, Tennessee, or something similarly quaint. We could get a cabin for three days for less than $500 and it would be just as special. After all, it’s not about the location, it is about being together as husband and wife.

But man, did I want to go to Jamaica!

There was no way we could save an extra $4,000 between January and October. We were already funneling all our extra cash to the wedding fund. So the only way to go to Jamaica was to try to make an extra $4,000 in the next 10 months.  

Challenge accepted.

It wasn’t easy, and it took a lot of time, creativity and patience. But we were able to make an extra $4,000 (and then some) to pay off our honeymoon in full.

Here’s how we did it.

1. We Rented Out Our Spare Bedroom: $1,600

Side gigs

db2stock/Getty Images

I’ll admit, this one kind of fell in our lap, but it helped us make a chunk of extra money.

A friend from college needed a place to stay from January through April while she finished up some classes for her degree.

We had a small spare bedroom we only used for storage, and I instantly knew I’d found the first extra income for the honeymoon. My friend and I agreed she’d pay $400 per month to rent the room, including all utilities.

It was a win-win for all involved: We made extra money and she didn’t have to worry about signing a lease or subleasing a room from someone.

2. I Sold With Fulfillment by Amazon: $800

I learned about Amazon’s Fulfillment by Amazon program while searching for “ways to make money” on Pinterest.

In short, you try and buy items as cheaply as you can and re-sell or “flip” them for a higher price.

It does take a lot of time, patience and work, but as a born bargain shopper, this was a fun way to make extra money. I made about $800 in six months, but there’s much more potential if you put your time into it.

Some of my favorite and most noteable “flips” were:

  • A Donald Trump book I picked up for $5 at an antique store and sold for $160
  • An ‘80s arcade game I bought for $12 at a flea market and sold for $130
  • Several antique board games I picked up for $1 or less at a garage sale and sold as collectibles for $30 and $40

3. I Started Babysitting Again: $2,400

I’ve been babysitting since I was 11 years old. It was my first job, and it probably laid the foundation for me to become a teacher.

If it worked back then to pay for my movie tickets and Mudd jeans, why could couldn’t it work now to pay for my Jamaican getaway?

I created an account on Care.com and found a family right down the road from the school where I teach who needed a sitter for their son one or two evenings a week. At $40 each night, I made an extra $160-$200 each month.

Through a friend, I met another family who needed a babysitter for the summer while their kids were out of school. At $10 an hour, I made $1,400 that summer!

Babysitting has a stigma of being a teenage job, but it’s a great source of income for adults who enjoy kids.

4. We Had a Garage Sale: $1,000

After a weekend of spring cleaning and purging our basement, we realized we had enough stuff for a garage sale. We lived off a main road, so our location was perfect for a sale.

We also asked friends and family members to donate their junk to our honeymoon fund. Instead of having to load their cars, drive to the local thrift store and then unload their cars, we would do it all for them.

Many people were more than happy to take us up on this offer, and the extra stuff helped us double our profits!

In 10 Months, We Made an Extra $5,800

My Jamaican honeymoon challenge was a success: We earned $5,800 in less than 10 months.

Not only were we able to pay off our honeymoon in full, but we were able to start building our savings account again after depleting it with our wedding expenses.

They say where there’s a will there’s a way, and this Penny Hoarder can’t wait to be on her way to Jamaica!

Your Turn: How have you creatively earned or saved money in a short amount of time? We’d love to hear your story!

Brittany Parrett is a fifth-grade teacher and budgeter extraordinaire from Terre Haute, Indiana.

The post This Couple Made an Extra $5,800 in 10 Months to Pay for Their Honeymoon appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2bQ0TFd

Savings update: shop around to find the rates above 1%

The best buys have been fairly stable over the last week - providers seem to be focused on cutting the rates for existing customers. Some will be falling to as low as 0.01%. But savers don't have to put up with this.

The best buys have been fairly stable over the last week - providers seem to be focused on cutting the rates for existing customers. Some will be falling to as low as 0.01%. But savers don't have to put up with this.

read more



Source Moneywise http://ift.tt/2c0MHLR

Parents shell out £165 to kit kids out for school

Kids are back to school this week, but American Express hasn’t been slacking on its summer holiday homework, it’s been busy researching the cost of school for parents and it’s come up with some expensive conclusions.

Kids are back to school this week, but American Express hasn’t been slacking on its summer holiday homework, it’s been busy researching the cost of school for parents and it’s come up with some expensive conclusions.

read more



Source Moneywise http://ift.tt/2c0MN6g

Earn a £60 gift card with the new MBNA card – but can you do better elsewhere?

Shoppers can earn £60 in vouchers with a new cashback credit card that’s launched this week.
Specialist card lender MBNA has partnered with shopping centre chain ‘intu’ to launch a new credit card that rewards spending with gift vouchers.

Shoppers can earn £60 in vouchers with a new cashback credit card that’s launched this week.  

Specialist card lender MBNA has partnered with shopping centre chain ‘intu’ to launch a new credit card that rewards spending with gift vouchers.

read more



Source Moneywise http://ift.tt/2bQlYEj

Four Reasons Not to Bring a Car to College

The on-campus college experience is a time when freedom and simplicity reign. As long as you stay on top of your studies, no one will bug you if you keep peculiar hours or live to the fullest. And as long as you stay out of trouble, no one will hear what you’ve been up to, either.

Of course, the freedom to stay up late is one thing. The kind of freedom you really want is the ability get around. And if you want more freedom than most, you may think keeping a car on campus is the answer. But, is it?

Four Reasons to Leave Your Car at Home

Unfortunately, bringing a car to college can cause just as many problems as it solves. While some of the implications are of the practical variety, other potential issues are financial in nature. Before you bring your car to college, consider these downsides:

Reason #1: Many colleges discourage bringing a car to school.

If you’re living on campus, you might be in for a rude awakening if you bring your car to school. That’s because many colleges and universities discourage it, and create rules and requirements that limit car use.

One common rule employed by schools is banning on-campus parking or limiting parking to a large lot that is fairly far away. So, each time you want to use your car, you have to catch a ride – or hoof it – to your designated parking space.

By and large, college campuses were created for pedestrians – and not automobile traffic. As such, there may not be many parking spots on campus, either – aside from those designated for staff.

So, if you bring your car and park it in the student lot, it may not be feasible to drive it that often anyway.

Reason #2: You may not be allowed to bring your car – even if you want to.

Some schools are adamant about students not bringing their cars to school, and that’s particularly true when it comes to incoming freshmen.

At the State University of New York at Albany, for example, freshmen aren’t allowed to bring a car, register one, or park their car anywhere within campus limits. No exemptions are made for students who have off-campus jobs, either. And yeah, they take this stuff seriously. Take a look at this warning on the SUNY Albany website:

“Please be aware that ANYONE attempting to register a vehicle for a RESIDENT FRESHMAN is subject to referral to the Student Judicial Board for review. Both parties referred may be placed on disciplinary probation, and prohibited from operating/parking a vehicle on campus for an additional year. In addition, any vehicle registered to a RESIDENT FRESHMAN will be placed on the TOW LIST and the vehicle will be towed at the owner’s expense, even if legally parked.”

Before you bring your car to school, you need to know if it’s allowed. If not – or if rules are too stringent – the decision will probably be made for you.

Reason #3: Having access to a car can be a huge distraction.

While you might think getting away from campus is a good idea, it might be the opposite of what you need. When you’re first getting acclimated to college life, having the option to leave any time you want can work against your long-term goals.

When you have a car, you can go out at night, drive a few towns away to see a friend, or drive into the big city every weekend. But when you’re stuck on campus, you don’t have as many options. As a result, you might spend more time studying and getting to know more people on campus – you know, the things you came to college to do in the first place.

Having a car on campus might pull you away from school more often than not, and as a new student, that’s hardly a good thing. If you want to focus on your studies and your future, you’ll often be better off if you don’t have the option to leave.

Reason #4: Taking a car to college costs money – money you don’t have.

If you’re living on a college campus, it’s safe to say you’re racking up a pretty hefty bill. But when you bring your car along for the ride, you could end up even worse off financially.

Not only will you need to pay for long-term parking if your school charges, but you’ll rack up small parking charges as you take your car from place to place. Add onto that the costs of gas, more frequent oil changes, and more wear and tear, and you could end up several hundred dollars in the hole every month.

On top of that, having a car makes it easier to go places that require you to spend money. A late-night trip to your favorite restaurant, a night out bowling, or a boozy Saturday evening at a local club are all within your reach if you can drive. And boy, will those events cost you.

It’s true that public transportation costs can add up, but many colleges operate a free transit system for students, and you should be able to walk (for free) most of the time anyway. By keeping your car at home, you can avoid spending unnecessarily over the long run.

The Bottom Line

If you think a car is a must-have at college, think again. Not only do some schools discourage bringing one, they can make it costly, too.

And if your goal is studying hard and getting ahead in life, a car can cost you in that respect as well. Just remember, what you want and what you need are not always one and the same. And if you’re trying to finish school and earn a degree, a car is probably the last thing you need.

Related Articles: 

Did you bring a car to college? Why or why not?

The post Four Reasons Not to Bring a Car to College appeared first on The Simple Dollar.



Source The Simple Dollar The Simple Dollar http://ift.tt/2bQhPjV

Want to Work from Home? Follow These 6 Twitter Accounts

Looking for work-from-home jobs can feel like a full-time gig.

But the perks of finding remote work are so worth it: You could save on commute time and money, stay home with the kids (or pets), travel more or move to a city where the cost of living isn’t astronomical.

I’ve already rounded up 13 sites with remote job listings. Today, it’s all about Twitter accounts that share work-from-home job postings.

What could be better than integrating your job search into your daily tweet intake? Nothing — except perhaps landing your ideal remote job.

6 Twitter Accounts That Only Post Work-From-Home Jobs

After hours of research, I’ve compiled six Twitter accounts to help you land your dream work-from-home job.

And, yes, only jobs — these accounts don’t share blog posts, advertising material or random GIFs.

So, while you’re perusing the Twitter-sphere for the latest T-Swift news, tap into these resources and make your mindless skimming and scrolling a little more productive.

1. @workingnomads

This “curated delivery of remote jobs for the modern working nomad” is great because you can read the first word of each tweet and decide if the job listing is for you.

The 140 characters go like this: The sector of the job, the position, the company. The postings range from development to customer success to design.

Each tweet links back to workingnomads.co where you can view the full job description and apply.

2. @RemoteWorkingCo

This account doesn’t tweet out jobs as frequently as some of the other accounts, but it does feature unique gigs in marketing, writing, customer service and social media.

Each listing links back to remoteworking.co, which highlights the job responsibilities, required skills and benefits and offers a link to the original post.

3.  @wfhio

Transparency and ease are key in the job search. Each tweet from this account lets you know what the company means by “remote” — whether you can work from anywhere, from the United States or even from Australia.

Another perk? If the hiring company has a Twitter account, @wfhio includes it in the tweet, which makes it easy to check out your potential employer and gain some quick insight.

The listings link back to wfh.io where you can find job responsiblities and employer requirements.

4. @write_jobs

I have to be transparent: As a writer, this is my favorite Twitter account.

Since 2010, Write Jobs has been sharing freelance gigs and writing jobs — and all of them are remote. So if you’re in the writing biz, follow it.

5. @remoteok_jobs

This account tweets out all of RemoteOK’s newest job postings. Most of the posted jobs are technology-based and aggregated from a variety of sites, including Indeed.

So rather than getting tangled in frustrating search filters, let this bot handle it for you.

6. @JobsRemote

Calling all techies: This account curates almost all its posts from Stack Overflow.

By following this account, you won’t have to worry about clicking on a job and being let down with hidden location contingencies, like being in a European timezone or living in, say, the lower tip of Florida.

The account uses each tweet’s 140 characters to note the hiring company, open position title and any important information that’ll keep you from wasting your time.

You can also use hashtags to assist in your search. We suggest you start exploring with #remote.

Your Turn: Do you use any Twitter accounts to find work-from-home jobs? Know any we missed?

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After recently completing graduate school, she focuses on saving money — and surviving the move back in with her parents.

The post Want to Work from Home? Follow These 6 Twitter Accounts appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2bPL7dG

Three Simple Ways to Use LinkedIn to Find Home-Based Opportunities

By Christy Schutz Okay. So you’ve been reading all the wonderful articles on The Work at Home Woman, and now you want to join the growing workforce of “remote” employees. Well, the truth is you’d be in good company with this fast growing sector of American workers. In fact, according to a study by globalworkplaceanalytics.com, approximately […]

Source The Work at Home Woman http://ift.tt/2c2x30L

Lloyds Bank most complained about provider, says Ombudsman

Customers of Lloyds Bank take the most complaints to the Financial Ombudsman Service, with the independent complaints arbitrator resolving 22,241 gripes about the firm in the first half of the year.

Customers of Lloyds Bank take the most complaints to the Financial Ombudsman Service, with the independent complaints arbitrator resolving 22,241 gripes about the firm in the first half of the year.

read more



Source Moneywise http://ift.tt/2c3TfZ2

الاثنين، 5 سبتمبر 2016

Family breaks ground on Hamilton Township winery

Showers of sparkling wine fell over Linda and Randy Rice as they celebrated during the groundbreaking ceremony for their new winery in Hamilton Township and their 27th wedding anniversary.The couple sprayed each other with bottles of their locally made bubbly to cap off a ceremony that many people never believed would happen. “We believe that God gave us a vision that was guaranteed to fail unless we had His help so He could prove what faith can accomplish,” said Linda. [...]

Source Business - poconorecord.com http://ift.tt/2bPfaqF

Annual economic summit set for Sept. 9

The Fourth Annual East Stroudsburg University Economic Outlook Summit is scheduled for Friday, Sept. 9 from 7:30 a.m. to 1:30 p.m. in the Mattioli Recreation Center on the ESU campus. The theme for this year’s summit is Monroe 2030 — Action Now! Assuring a Prosperous Monroe County.The program will include presentations on Re-Energizing our Economy — the Monroe 2030 Action Team Work Plan, results from the Monroe County Business Climate Survey, and [...]

Source Business - poconorecord.com http://ift.tt/2cajzVM

Multiple factors to determine property values

A commercial landlord’s rental income will be one factor used to determine future Monroe County commercial property assessments for tax purposes, but the income produced at an industrial/commercial location won’t be considered in calculating property tax bills.That’s the message that county assessment officials want to stress to the public to correct recent misunderstandings voiced by some taxpayers.The county is in the early stages of reassessing more than [...]

Source Business - poconorecord.com http://ift.tt/2bZowxq

Family beaks ground on Hamilton Township winery

Showers of sparkling wine fell over Linda and Randy Rice as they celebrated during the groundbreaking ceremony for their new winery in Hamilton Township and their 27th wedding anniversary.The couple sprayed each other with bottles of their locally made bubbly to cap off a ceremony that many people never believed would happen. “We believe that God gave us a vision that was guaranteed to fail unless we had His help so He could prove what faith can accomplish,” said Linda. [...]

Source Business - poconorecord.com http://ift.tt/2bSUYmb

This Single Mom Has 3 Kids and Multiple Jobs. Here’s Her Exact Budget

Meagan Pietrzak thought she had it all: a husband she loved, a stable job and two vivacious daughters.

But last year, the life she’d built quickly fell apart.

Her husband abruptly left, completely disappearing from their lives.

Suddenly, she was not only heartbroken and alone, but also the sole provider for two hungry mouths. And it would soon be three: She was a few weeks’ pregnant.

But even though Pietrzak’s world had crumbled, she did not.

“Failing as a mother is not an option,” she explains. “You do whatever you have to do to make it work.”

Amazed by her resilience, I had to know more. Here’s how this supermom handles two jobs and three daughters — and still manages to thrive.

The Day-to-Day Life of This Supermom

Single mom

Image from Meagan Pietrzak

Pietrzak and her daughters, ages 5, 4 and 6 months, live outside Houston, Texas.

She works full time as a coordinator for an international oilfield firefighting company and receives no government assistance.

Every morning, she wakes up at 4 a.m. so she can have one-on-one time with the baby. They leave at 6:30 a.m, she works from 7:30 a.m. to 4:30 or 5:30 p.m., and then comes home to make dinner and put the girls in bed.

As if that doesn’t sound hectic enough, Pietrzak has a side gig, too.

Ironically, she found it while (unsuccessfully) searching for an inexpensive babysitter on Care.com. She noticed a nearby church was hiring an infant sitter, and sent in an application.

“I let them know I was interested, but had my own children I’d have to bring,” she says. “They were reluctant at first and wanted to meet everyone. My kids became fast friends with the regular kids, and a few months later they offered me the Wednesday evening sitter position, as well.”

Exhausted yet? We’re still not done…

Most lunch breaks and evenings during the week, she performs tasks on Amazon’s Mechanical Turk to earn additional money.

She also participates in a long list of rewards programs: Swagbucks, ShopAtHome, Ebates, AchieveMint, ReceiptHog, PerkTV, Pact and BCBS Well onTarget, through her health insurance provider.

(Want to learn more about these programs? Here are 12 awesome apps for earning extra money and nine sites that will pay you to shop online.)

Somehow, she also finds time to occasionally write on her blog Solely Surviving. Though it doesn’t earn money (yet!), it helps her have conversations with other adults — an opportunity she doesn’t often get.

This Single Mom’s Exact Budget

So that’s her day-to-day — but how do the numbers break down each month?

Here’s her exact budget…

Monthly Income

Full-time job: $2,550 (after taxes, 3% 401(k) contribution and health insurance)

Part-time job (church): $260

Odd jobs (online): $50

TOTAL INCOME: $2,860

Monthly Expenses

Mortgage: $960

Daycare: $1,240 (full time, includes breakfast, lunch and snacks)

Utilities: $130

Cell phone: $0 (her employer pays, on the condition she answers calls after-hours)

Internet: $70

Food: $125 (explained further below)

Gas: $75

Car insurance: $40 (paid annually to get the discount)

Baby items: $50 (mostly diapers and clothes)

Incidentals/rollover: $25

Student loans: $20 (on income-based repayment plan)

Emergency fund: $100 (she now has $1,600 saved up)

TOTAL EXPENSES: $2,835

How This Single Mom Saves Money

Surprised by how low some of those numbers were? So was I.

“Basically, there are always ways to save,” Pietrzak explains. “Every time I think I’ve scrounged to the max, I find something else I can do to cut back on costs.”

Here’s how she saves money on…

Housing

Pietrzak and her daughters live in a three-bedroom house.

“I bought a cheap two bedroom fixer-upper house with a 3% down, first-time buyer loan, spent a year updating it and sold it for enough profit to put the 20% down payment on our current home,” she explains.

When her older daughters are in school and she can save $250 per month on daycare, most of that money goes towards home repairs.

“I plan to sell this house next summer to turn a profit,” she explains, “so any leftovers generally go to upgrades, paint, etc.

“My plan is to keep buying and fixing up every two to three years, so eventually I’ll be mortgage free,” she says. “Hopefully before they start college.”

Daycare

Single mom

Image from Meagan Pietrzak

Since she’s “just over the threshold” for daycare assistance, Pietrzak’s summer daycare costs are higher than her mortgage.

She sends her girls to two different daycares to save $400 per month — even though it’s admittedly “inconvenient”

Her infant daughter stays with a woman without grandchildren, who charges 50% less than a regular daycare because she wants her “baby fix.”

During summer vacation, she also saves money by sending her older daughters to an unofficial daycare: the home of a teacher who wants to make extra money.

“The key here is to not get complacent,” she says. “Talk to people, network, know the prices, know what’s a deal… Don’t be afraid to ask or negotiate.”

Essentials

Although Pietrzak says she doesn’t have time for “extreme couponing,” she does what she can to save money on the essentials.

After waking up with the baby at 4 a.m., she scans coupon blogs like Living Rich With Coupons and The Krazy Coupon Lady. If she sees a great deal or moneymaker, she stops by the store on her way to work or during her lunch break.

She also keeps food costs low by breastfeeding her youngest baby and choosing a daycare that provides food, as well as cooking dinners at home from scratch — often in the crockpot.

For household items, she uses her cash-back credit card to buy discounted CVS, Lowe’s or Home Depot gift cards at Raise or Cardpool, and then makes her purchases online through ShopAtHome or Swagbucks.

“It sounds tedious, but it gets me great discounts,” she explains. “It’s just a little bit of a juggling act.”

Credit Cards

“Credit cards are only to be used for money back and to be paid off every month,” Pietrzak says.  

She uses them for points, discounts or cash back at the retailers she frequents: Sam’s Club (5% back on gas), Amazon (rewards points) and Target (5% back on purchases). She also has a Chase card that offers 1%-5% cash back on everything.

“I write down the purchases in my check register so I know exactly how much to pay,” she explains. And as soon as she gets home, she pays the bill.

That lets her reap the cash-back rewards of credit cards — without racking up a balance or paying interest.

Everything Else

Pietrzak and her family live a frugal life: For example, she mows her own yard and cuts all of their hair.

But frugal doesn’t mean devoid of fun.

“We go to different parks a lot, have play dates and really have an active life,” she says. “It helps we live in a larger city where there is always something to do that’s cheap or free.”

On the rare occasion they eat out, she uses discounted gift cards purchased using her cash-back credit card.

Where There’s a Will, There’s a Way

Single mom

Image from Meagan Pietrzak

Although Pietrzak never would’ve asked for — or imagined — this life, her outlook is incredibly positive.

“All my kids are happy, curious, and healthy… and I think that is what matters most at the end of the day,” she says.

“When I die, no one will remember me for having or lacking expensive furniture or fancy shoes,” she explains. “My kids will remember the picnics, park time, bike rides, playing tag and hide-n-go seek, or days at the splash pad — none of that costs me money.”

Of course, she wishes she didn’t have to stress about money, or could take her kids on vacation — but she’s confident she’ll get there someday.

“I’m determined,” she says. “Where there’s a will, there’s a way.”

If you’re impressed by her story, you’re not the only one — even Pietrzak herself is surprised.

“Five years ago, I would’ve said there’s no way I could survive alone,” she says.

“Now I’m not only surviving alone, I’m providing for three little people and we are all thriving,” Pietrzak explains. “Life is good.”

Your Turn: Are you inspired by this single mom’s budget?

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

The post This Single Mom Has 3 Kids and Multiple Jobs. Here’s Her Exact Budget appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2ctSagF

15 Reasons Scrolling Through Instagram is Ruining My Bank Account

Have you ever bought something because you thought it would make a good Instagram photo?

I know. You think I’m kidding.

But a friend of a friend recently admitted to planning vacations with her Insta feed in mind. Sounds crazy, right?

Maybe I don’t go that far. But I’m definitely guilty of social media-inspired FOMO spending. You know, buying something to quell my fear of missing out…

Can you relate to any of my Instagram FOMO?

1. Every photo of a city I’m not in makes me want to buy a plane ticket, like, now.

That TPA to SFO flight doesn’t come cheap, but, COME. ON.

2. I can’t stop moving different places, because everyone is either hanging out on the beach without me…  

3. …Or they’re falling in love over a snowman while I’m alone in Florida. #facepalm

4. When I’m alone with Insta on a Friday night and see concert pics, I immediately click over to BandsinTown.

I thought photography wasn’t allowed?

5.  Everyone is definitely getting a new car way more often than I am.

You’re going to want to uncover those eyes…

6. Of course I need to hire an interior decorator and buy all new furniture.

I’ll probably need to hire someone to clean the place, too…

7. When it comes to food, I pretty much just do whatever Tasty tells me to.

Even when it means letting the other groceries go bad.

8. If I go out to eat, I want it to look like this every time.

Gotta buy wine. It’s good for composition.

9. I’m convinced I could nail this pose if I just had the right yoga pants.

Yeah, it’s definitely the pants.

10. And I’d probably be way more successful if I dressed like this.

Would you hire me in that outfit?

11. I obviously don’t run enough races.

So I’ll need a gym membership, running shoes, cute shorts, cute shirts, cute headbands and a cute friend.

12. If I’m really in love, my wedding will have to be very expensive.

Because how else would people know?

13. Seriously stalled on my bucket list. I think I need a life coach.

Or at least a new suit.

14. Is this kid better than my kid?

Definitely going to have to spring for those fashion pre-school summer preparatory courses.

15. My dog needs better toys if she’s going to be happy.

She doesn’t even have her own laptop. And I don’t even have a dog, so you can see how these two expenses will add up!

Your Turn: I can’t be the only one! Are you guilty of FOMO spending?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

The post 15 Reasons Scrolling Through Instagram is Ruining My Bank Account appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2c65AxE

Questions About Having Children, Clearing Drains, Making Coffee, and More!

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Kids and delayed retirement
2. Inspiring personal finance book
3. Clearing drains
4. Cheap coffee technique
5. External motivation
6. Three paycheck month
7. Rent is throwing money away
8. Professional photos for kids
9. Preparing for collapse
10. Figuring out early retirement target
11. Finding new social circle
12. Cheap decent notebooks for class

This past weekend, my oldest son got third place in his division in a 5K race. He was awarded a small trophy for the finish. At the same time, my youngest son got third place in his division in the same 5K race. He was also awarded a small trophy for the finish.

My daughter also ran in the race. However, she did not make the top three. She didn’t get a trophy or a ribbon or anything for participating.

So, why am I mentioning this? For starters, my daughter didn’t get upset over this. Instead, she decided after the race that she wanted to practice to get better at the 5K so she could perhaps win a trophy next year. Not winning motivated her to do better.

Second, both of my sons wished they could have won the larger trophies that went to the first place finishers in their divisions. They are similarly motivated to train in a 5K. Not getting first place motivated both of them to do better.

The motivation comes from self-improvement. They did well, but they know they can do better. They want to do better. The motivation comes from within.

I guess, in the end, it really doesn’t matter if everyone gets a “participation award” or not. If a parent encourages self-improvement tendencies, both in themselves and in their children, the children will naturally want to improve themselves. They’ll want to do better next time and they’ll want to figure out how to do better next time. That phenomenon is completely separated from any awards they happen to get.

The real reward isn’t a trophy or a ribbon. It’s doing better than you did last time. It’s hitting the goals you have for yourself in your head.

The goal of any of life’s journeys isn’t to beat others. It’s to beat your previous performance. You are your own metric for success, not anyone else, not participation ribbons, not trophies.

Q1: Kids and delayed retirement

Read your article on things to think about early retirement and I had a question about having kids. I don’t believe that having kids can delay retirement by ten-fifteen years. What evidence do you have for that?
– Larry

In that article, I was speaking largely about my own experiences raising children, but that experience really does line up with the statistics. The USDA estimates that it will cost $245,000 to raise a child from cradle to high school graduation. I have three children. The average American household brings in around $60,000. Ten to fifteen years is a pretty reasonable alteration in retirement plans given those numbers.

Now, that doesn’t mean that each child is going to cost $245,000. There are definitely some shared expenses – for instance, our two sons share a bedroom, and our youngest wears a lot of hand-me-down clothes and plays with hand-me-down toys. That doesn’t change the fact that each child has food costs, health care costs, and at least some clothing and housing costs.

That adds up, no matter how you slice it. Is it $245,000 per child? I don’t think it’s quite there, but it’s definitely enough to alter our retirement plans, especially since that’s really where most of the expenses for our children are coming from.

Q2: Inspiring personal finance book

I read Rich Dad Poor Dad and was really inspired to start investing. Then I did some homework online and found out that the book is actually junk in terms of how to actually do it. Turns out you can’t just show up at the courthouse and buy dirt cheap properties.

Looking for personal finance/investing books that are inspirational and actually have practical things that work.
– Lonnie

Personally, the book that inspired me the most to make financial changes in my life was Your Money or Your Life. It really opened my eyes to what was possible if I made good choices with my finances and it made me want to change things as quickly and as intensely as possible. It’s not really an investment book, but I would definitely describe it as an “early retirement” book.

I don’t think any investment book really “inspired” me, but the one that clicked with me more than any other was The Bogleheads’ Guide to Investing. It’s just a very strong guide to investing, from the philosophy behind it to how exactly to invest. It is a great pairing with Your Money or Your Life, in my opinion.

I’d also like to point to my own book, The Simple Dollar, where I use my story as the backbone for a lot of basic financial advice. My focus in writing the book was to keep it simple and keep it inspirational, so it’s fairly short, focuses on high-impact basic financial strategies, and includes a lot of inspirational stories from my own life interwoven with the strategies.

Q3: Clearing drains

The drain in my bathroom sink basically stopped emptying out the water so I went to the Home Depot and asked for help. The guy told me to buy a big jug of Drano and I did and it helped for a while but about 3 months later it’s barely draining again. Drano is expensive so what else can I do?
– Kristina

There are a lot of things you can try.

The first thing I’d try is to pour some boiling water down the drain. Fill up a tea kettle, get that water to boiling, then pour it slowly down the drain and see if that helps.

If that doesn’t help, get about 1/2 cup of baking soda and dump it into the drain, let it sit for a couple of minutes, then follow that with about 1/2 cup vinegar. This will probably foam up like crazy, but it will likely help.

If that doesn’t help, get out your plunger, fill the sink with some water, and actually plunge it for a while. If your sink has an overflow hole, you’ll need to plug it with a wash cloth for plunging to work.

If that doesn’t help, go back to Home Depot and ask for a Zip-It – I honestly can’t believe they didn’t tell you to buy this first. It’s basically just a long, thin plastic rod with a bunch of teeth on it that will cost you a couple of dollars. You just take it home and run it down your drain, twist it around a few times, and pull it out. The teeth grab onto whatever is clogging the drain (usually it’s hair) and yank that stuff out. It’s going to be foul when it comes out, but it will really help if the other steps don’t.

If none of that helps, call a plumber. Those steps above will clear basically anything that Drano will clear, so if those don’t work, a plumber is probably in order. They’ll likely bring a drain snake with them – imagine a larger and very long version of the Zip-It – and find where the clog is, because it might be far below your bathroom sink.

Q4: Cheap coffee technique

I just wanted to share a quick technique that I’ve used for really good cheap coffee. I have been a coffee drinker for 20+ years and have never used a coffee pot.

Take two cups of coarse ground coffee (I have my own coffee grinder) and put it in a quart jar with a lid. Fill it up with water until it’s basically full and then put the lid on and stick it in the fridge for 24-48 hours. Then take out the jar and pour it through a fine mesh strainer. The liquid is delicious cold coffee. If I want it hot, I microwave it, but I actually prefer it cold. I also sometimes make “coffee ice cubes” by pouring coffee into an ice cube tray.

You can add whatever extra stuff you want to it at this point.

I like this technique because I don’t have to wait for the coffee pot or anything. It’s already in my fridge ready to go and if I want it hot it takes about 30 seconds in the microwave. I don’t have to buy a coffee pot either.
– Kaylee

This actually sounds very appealing to me. I’m not much of a coffee drinker, but when I do drink coffee, I like it in the afternoon and cold with just a little bit of milk in it. I could see myself using this exact technique, except actually straining out the grounds and keeping the coffee in the fridge for a while afterwards in a sealed jar.

My wife is a coffee fan and she uses something similar when she’s in a hurry. It’s a special coffee cup she received as a gift. It’s basically a cup with an integrated straining section that functions like a tiny French press, so what she does is that she puts the grounds right into the mini-strainer while water is heating in the microwave, then she pours the hot water in and presses down to strain it through the grains. She then just tosses the strainer part in the sink and has a cup of coffee to take with her.

The point is that you don’t need a coffee pot to enjoy coffee, especially if you’re the only one in your house who enjoys coffee. At that point, a coffee pot is just another expense that you probably don’t really need.

Q5: External motivation

I am 26 years old and recently left the military for a civilian job. I have always thrived on external motivation. During my football career in high school, college, and one year semi-pro, I had a hard time motivating myself but my coaches could always push me. The military was the military – tons of external motivation. But now I’m basically on my own.

Where can a person find external motivation for financial success? I guess I could hire a financial advisor but they are quite pricy.
– David

There are a few routes you can follow here.

One route is to make automation your external motivator. Automate all of your savings and make that savings plan fairly intense. That way, you have to make ends meet on what’s left over.

Another route is to find a personal mentor of some kind. Look for someone in your life or in your workplace who has found the kind of success you’re looking for and start picking their brain. Ask them what they did to get there and take copious notes. Use their story and comments to motivate you.

My best motivator is kind of a mix of internal/external – it’s my “future self.” I want my “future self” to have a great unburdened life and I know that right now is when I need to be putting in the work to make that happen. I visualize my “future self” judging what I’m doing right now.

Q6: Three paycheck month

A few months ago I started turning my finances around and have paid off two credit cards so far. Feels good.

I have been doing this while planning around two paychecks a month since I get paid every other Friday. I pay some bills with the first paycheck of the month and others with the second.

This is my first “three paycheck” month since I started turning things around. I just realized it.

My question is what do I do with that extra paycheck? I used to just spend it on dumb stuff and that temptation is still there.
– Luis

From that third check, take out enough money to cover your basic expenses for those two weeks, like food and transportation and household supplies that you’ll buy. You can even keep a little more for some fun entertainment or hobby purchases if you like.

Take the rest of it and pay off or drastically pay down a debt. If you don’t have a debt, use it to build an emergency fund by putting it in a savings account. If you already have that, put it into a Roth IRA.

Regardless of what you choose, the idea remains the same: put it to useful personal finance work immediately so that it’s out of your hands and not just sitting in your checking account begging you to spend it.

Use that money for something financially responsible as quickly as possible and you’ll feel pretty good about things.

Q7: Rent is throwing money away

Can’t believe you ever advocate for renting an apartment instead of buying a home. Renting is just throwing money away. Better off making house payments to build equity.
– Terence

I’m going to make a counterargument to that using what’s happened to us in the last few weeks.

First, we paid our property taxes, which meant a few thousand dollars went up in smoke. This is an annual expense. If we rented, we wouldn’t have to pay this.

Next, we had to replace our damaged patio door. If we rented, we could call our landlord and have this replaced for free.

Next, our homeowners insurance bill came in. This is an annual expense. If we rented, this bill would be renters insurance, which would be way cheaper.

Next, we had to get an estimate on sidewalk leveling after the city sent us a letter regarding it. If we rented, this would be our landlord’s job.

This is the reality of home ownership. It’s pretty expensive. Even if the equity in our home is going up, it has to be going up awfully fast in order to make up for expenses like this.

That’s not even counting the expense of mortgage interest or mortgage insurance or homeowners association fees, either.

Renting isn’t always the best solution, but neither is home ownership. I think that both are good solutions depending on the specifics of the situation.

Q8: Professional photos for kids

We have a newborn and we would like to start getting annual professional photos taken of her so we have a series of photos as she grows. However they all seem so expensive! I don’t think I could make it look professional on my own either. How do I do this?
– Nikole

Depending on your desires, most school districts have an annual school photo package at a pretty reasonable rate that should handle this when your child reaches five years old or so, so you’re really only worrying about this for the first few years of their life.

My suggestion for baby and toddler photos is to use JC Penney portrait studio, if there’s one near you. They usually have a very good coupon available that you can use for your first package which will end up giving you a ton of prints for well under $100. Then, after that, they’ll start sending you coupon packages that are even better. I’ve seen coupons in recent years that were as low as $1 per sheet with no sitting fee, which meant that my kids could get pretty good photos taken for about $10 for a pile of prints.

I’m not as familiar with the offerings from other department store chains, but my guess is that many of them offer similar discounts and packages. You’ll just want to shop around. I mention JC Penney because they’re the chain I have experience with in the past.

Q9: Preparing for collapse

One of the things I have noticed about The Simple Dollar is that you have a pervasive optimistic view about the future. Your articles all have an underlying assumption that the world will be the same or better than it is right now for the rest of your life.

But what if you’re wrong?

My belief is that we are heading for a serious environmental collapse in the next 20-25 years that is going to have profound negative impact on our way of life. We are going to see intense dying off of lots of species that hold diseases in check leading to global pandemics, an enormous rise in ocean levels that will endanger pretty much every place on the coasts, and political and religious upheavals to match. I believe we are already on the downhill slide from the peak of human civilization for a very long time.

You’ve made it very clear what you think a person should do if they hold an optimistic future view. What should a person do if they hold a pessimistic view?
– Aaron

I think that the answer to that lies in some flavor of “prepping.” I assume you and most of the readers of The Simple Dollar are aware of the “prepper” movement, where people do all they can to prepare for environmental and cultural unrest.

If you believe that things are going to collapse, you should be investing in making a sustainable lifestyle for yourself that you’re happy with. By “sustainable,” I mean that you can continue to live that lifestyle without the services that people expect to have these days: no cell phones, no internet, no electricity, no running water. What can you do to build the best life if all of those services go away?

Your time should be invested in mastering all-around skills like carpentry, plumbing, gardening, mechanical repair, and so on. Your money should be invested in making yourself as independent from services as possible – having your own well, having your own sources of power (like solar panels on your roof or a small wind turbine), having your own sources of food (like stored dry goods and a robust garden), and having means to protect these resources as well.

The thing is, this is actually a form of financial independence as well. Once you have everything on your property that allows you to have a good lifestyle without the grid, what do you need to work for?

My vision of financial independence is not centered around this type of societal collapse. I think there will be some environmental changes in the coming years, but I also am a big believer in human ingenuity and problem solving. I think, in general, humankind will move forward rather than backward. Even in the so called “dark ages,” mankind progressed forward, even in Europe, but particularly in the Middle East and Asia.

The only source I can think of for global regression is if there is a catastrophe that eliminates a very large portion of the human race, at which point all the prepping in the world probably won’t help you.

Q10: Figuring out early retirement target

How do you figure out what you would need to retire early? What’s your “target number”?
– Stephen

For me personally, I want to have no debts and enough money in the bank that I can live and pay my income taxes off of 2.5% of the total balance of my investments each year without counting Social Security. 2.5% is a very safe long term withdrawal rate.

The question then becomes how much are my living expenses and how much taxes would I have to pay. This depends, of course, on how the money is invested. The majority of my investments are post-tax and quite a bit of that is in a Roth IRA, so my taxes are going to be pretty low. If most of your money is in a 401(k), you’re going to have a bigger tax burden.

My family currently lives on about $28,000 per year. This is for a family of five and covers our food, clothing, property taxes, property upkeep, health care, a bit of travel, some hobby expenses, and so on. We could cut that a little and we could also inflate that. I expect that inflation is going to creep up at about 3% a year going forward, so I’d probably use a number closer to $40,000 for this calculation taking everything into account.

So, I just take that annual target number – $40,000 – and divide it by 0.025, and I get $1.6 million.

Now, if I lived a little cheaper, that number would get lower. If I figured a 3% withdrawal rate, that number would get lower. If I were a bit less “future thinking” when it comes to inflation, that number would get lower.

My point is this: that magic “early retirement” number is the result of a lot of factors. This is just a really rough overview of what I consider for early retirement.

Q11: Finding new social circle

For many years I hung out with a group of people who all worked in the same industry in our town. We went to each others homes for dinner and had our kids play together and so on. Over the last 3 years, all of them have switched jobs and moved away and thus my family’s social calendar has basically gone from full to mostly empty. I have no idea how to “fill” a social calendar as an adult. My wife is a freelancer that works from home for remote clients. The new people at my job are all younger than me and single and mostly interested in going to bars all the time. How do you find friends as an adult?
– Chuck

Think of something you and your wife both enjoy doing. It doesn’t really matter what it is. Just think of at least one thing – and ideally a few things – that you enjoy doing together and would enjoy doing with other adults.

Then head to Meetup.com and look for groups in your area that touch on those things. Look for anything close to you and similar to your interests.

You also might want to look at your city’s website and the websites of cities nearby and see whether they have a list of community organizations.

You also might want to check in on businesses that deal with the things that you’re interested in and see whether or not they have any social events that they plan or are involved with.

Then go. Bite the bullet and go to some of these things. Do your absolute best to socialize; don’t expect the people there to just come and throw themselves at your feet. Talk to as many people at those groups as you can. You’ll click with some of them, and those people can become the beginnings of a new social circle for you.

You’ll cultivate friends. It’s easier than you think.

Q12: Cheap decent notebooks for class

Do you have a suggestion for an inexpensive notebook for college class notes? The one subject college ruled cheapies from Walmart always seem to utterly fall apart by the end of the semester and every recommendation I ever find is for $10 or more per notebook.
– Carrie

I agree with you in terms of the cheap spiral-bound one subject notebooks from Walmart. When I was in school, those notebooks were always in disastrous shape already by the time the first test rolled around. They were utterly falling apart.

What I’ve discovered with notebooks is that, up to a reasonable point, you get what you pay for with them. Sure, you can start getting into really expensive stuff that’s needlessly overpriced, but the vast majority of notebooks up to about the $15-20 range are pretty much as good as what you pay for.

The question really is: what do you define as “decent”? For me, the cheapest “decent” notebook would probably be a 1″ binder with graph paper in it, preferably graph paper with hole reinforcement like this. That would be my “default” choice if I were going into college again. I’d just buy some 1″ binders and a bunch of that type of graph filler paper (I use graph paper for almost everything). The biggest worry you have here is that your binder might break at some point (it happens), at which point you just move all of your papers to a new binder.

If I were spending a little more, I’d probably buy a Baron Fig Confidant for each class I was in. They’re just about perfect for thorough notetaking for a single college course for a semester, including lectures and reading. I’d also keep a folder in my backpack with some loose paper in it for things like quizzes.

I just don’t trust a spiralbound notebook over the course of a college semester, assuming you take it to class each time, take good notes with it, and review it regularly. I’ve never had a spiral notebook survive a full semester intact.

Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. I’ll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours.

The post Questions About Having Children, Clearing Drains, Making Coffee, and More! appeared first on The Simple Dollar.



Source The Simple Dollar The Simple Dollar http://ift.tt/2bZwrJd

Virgin Money chops Help to Buy Isa rate again

Virgin Money has cut the rates on its Help to Buy Isa for the second time in under two months, meaning new customers can only get 2% on the government’s flagship deposit saving scheme.

Virgin Money has cut the rates on its Help to Buy Isa for the second time in under two months, meaning new customers can only get 2% on the government’s flagship deposit saving scheme.

read more



Source Moneywise http://ift.tt/2ce4XUb

7 Football-Season Side Jobs That Pay Up to $25 an Hour

Ah, fall.

Warm days, crisp nights, pumpkin-flavored baked goods, apple cider and, of course, football.

As much as you love watching your favorite team, did you know you could make some extra cash while you’re at it?

Stadiums across the country are on a hiring spree, picking up temporary workers for everything from parking to concessions to security for football season.

It’s the perfect low-commitment side gig. College teams play roughly six home games on Saturdays in the fall, while NFL teams play an average of 10 home games on Sundays.

The jobs, which pay between $9 and $25 per hour, are typically offered by private companies that contract with stadiums, though in some cases, you’ll be working directly for the stadium or the university.

Whether you live near an NFL stadium or a university, here are some of the dozens of jobs available. Why not start saving before you have to start buying all those darn Christmas gifts?

1. Parking Attendant

Stadium jobs

Bradley Gordon under Creative Commons

Games mean fans. And fans mean tons of cars that have to park somewhere during the game.

Many stadiums are looking for parking attendants, traffic directors, parking cashiers and valet staffers to work this fall.

“The parking staff sets the first impression for guests and leaves the last impression,” according to a recent job posting by Premier Parking Services in Kansas City, Missouri.

“This job is perfect for college students and individuals look for extra income as well as the opportunity to work in a fun and exciting atmosphere.”

The company, which provides parking services for Arrowhead Stadium, where the Chiefs play, will pay you between $9 and $15 per hour, depending on the position. Plus, valets get tips!

2. Security

Stadium jobs

Phil Roeder under Creative Commons

These days, event venues are as concerned as ever about keeping patrons safe.

That’s why they hire droves of temporary security staffers to screen fans, check bags and keep crowds moving during football games, which can attract 25,000 to 100,000 fans, depending on the team.

Stadium security job duties also include helping police enforce event rules, addressing bad behavior and preventing disturbances during the game.

If you’re polite yet assertive, game day security may be a good fit for you, according to this job posting at Syracuse University.

“He or she is willing and able to actively engage guests in difficult, high-pressure situations while remaining calm and professional,” according to the posting, which says pay starts at $11.66 an hour.

3. Concession Worker

Stadium jobs

Navin75 under Creative Commons

What would a football game be without a hot dog and a beer?

Sure, you might come home smelling like nacho cheese, but stadium concession jobs like this one at TCF Bank Stadium in Minneapolis pay between $13 and $14 an hour.

Aramark, which runs food operations for the University of Minnesota’s games, also pays bonuses and provides uniforms so you don’t have to worry about what to wear.

Concession workers handle cash and credit cards, take food and drink orders, and check IDs for alcoholic beverages.

4. Retail Shop Associate

Stadium jobs

KOMUnews under Creative Commons

If selling team gear and clothing is more your style, consider a temporary retail position.

Teams like to put their logos on everything — from hats to T-shirts to jerseys to koozies.

The Seattle Seahawks are looking for a pro shop stadium sales associate to sell souvenirs this season at CenturyLink Field for $13 an hour. This job also includes working some Seattle Sounders soccer games, which are also held at the stadium.

“Shifts typically start four hours before Seahawks kickoff and 2.5 hours before Sounders matches and range from six to nine hours,” according to the job posting.

5. Usher

Stadium jobs

Phil Roeder under Creative Commons

If you’re a people person, and you don’t mind giving fans directions, helping them find their seats or assisting them in the event of an evacuation, become an usher.

In short, ushers are there to provide customer service and to help fans have a good game-day experience.

The University of Washington is trying to fill a number of positions on its customer service team, including ushers, elevator operators and ticket-takers.

Candidates must “exemplify the Washington way by consistently putting fans first,” according to the job posting, which says pay is between $13 and $15 an hour.

Ushers help with crowd management, resolving guest complaints, collecting lost and found items, help lost children find their parents and identifying prohibited items.

6. Brand Ambassador

Stadium jobs

John Seb Barber under Creative Commons

What exactly does a brand ambassador do, you may wonder?

A brand ambassador represents a brand or a company in a positive way. In a way, it’s like human advertising.

Companies like WP Beverages, which sells Pepsi products, are hiring brand ambassadors to work at University of Wisconsin home football games. This job pays $18.20 an hour!

“Your goal will be to generate excitement, build brand awareness and increase product sales through event sample and promotion,” according to the job posting.

Brand ambassadors are expected to post photos and videos to Facebook, hand out samples of Pepsi products and chat with potential customers. An outgoing, engaging personality is a must, along with a “polished appearance.”

7. Tailgate Setup Staff

Stadium jobs

Colton B/tailgategroup.com

It’s no secret that football fans love to tailgate. This company helps them by renting trailers and other tailgating supplies across the southeastern United States.

“We are an event services company that specializes in bringing the pre-game tailgate party to you,” according to the Tailgate Group’s website.

“We transport the tailgate trailer and all additional equipment to your preferred tailgating location, set everything up and then after the game or event, we take everything down.”

The Tailgate Group is hiring tailgate operators at $25 an hour to work Auburn, Georgia, Florida State, Alabama and Atlanta Falcons football games.

Your Turn: Would you work while cheering on your favorite team? Have you ever worked one of these jobs?

Sarah Kuta is an education reporter in Boulder, Colorado, with a penchant for weekend thrifting, furniture refurbishment and good deals. Find her on Twitter: @sarahkuta.

The post 7 Football-Season Side Jobs That Pay Up to $25 an Hour appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2ce5565